Who should a pedestrian injured by an insured vehicle file a claim against?

When a pedestrian is injured by an insured vehicle, filing a claim against the owner of the vehicle is often the appropriate course of action. The rationale behind this is that vehicle owners typically have liability insurance that is designed to cover such incidents. This insurance is meant to protect both the owner and others who may be involved in an accident, including pedestrians.

When it comes to liability, vehicle owners are generally responsible for the actions of the drivers they permit to operate their vehicles. Thus, even if the driver was at fault, the owner’s insurance can provide coverage for the injuries sustained. This makes it simpler for the injured party to seek compensation, as they are approaching an entity (the insurance company of the vehicle owner) that is equipped to handle claims of this nature.

In contrast, while the driver may share responsibility for the accident, they may not have sufficient personal resources to cover any damages or injuries. Filing a claim directly against the insurance company could be complicated unless the injury claim is tied to the specific policy associated with the vehicle. Moreover, targeting the city where the accident occurred typically is not appropriate unless there are specific circumstances involving municipal liability, such as a defect in the roadway contributing to the accident.

By pursuing claims against the owner of the insured vehicle,